When I was with Direct Line a few years ago the bikes where covered for the value of the home insurance, as long as they where kept inside the house. Didn't have to declare them either.

I also ended up having to claim after some tea leaf broke in and stole them, and they did pay up with new for old, though it took many, many months (almost 6 months!) of going through the claims procedure to get them. Still, bit of a result in the end.

Now with Hiscox, and believe I asked all the same questions as you on the phone, but just checked and it's only £2.5k per bike. Might be needing to change at renewal time :-/

I've been with M&S for several years and I've just got my renewal through for 7th March. They're changing their policy T&Cs and introducing the new £2000 limit on bicycles. I now have to declare my £2600 MTB*, which results in a 10% hike in my premium.

* If you don't, it's not covered at all.

More Than gave a good quote, but it was still slightly higher than my M&S renewal and not unlimited like M&S. So it looks like I'll be staying put and paying the extra.

I am also watching this thread with much interest as I am currently insured with M and S on their old terms. Our policy expires in March so I'll be engaged in a new policy hunt to cover our "fleet" of bikes.

Just had a quote from Home Protect for £370, compared to £1600 with M+S renewal with the same bikes specified.
£4000, £3500, £3000, 2@£1500, £1000 & £600 bikes all specified.
Anyone had any dealing with home protect?
Only down side is only covered in the UK, any ideas for insuring a bike for trips abroad?

I queried my Tsb insurance as I'd bought the kids good bikes for Christmas. All four bikes were not insured for enough money in the shed at the top of the garden, but as I'd built a shed/wood store on the side of the house the items in it were covered (unspecified) up to 15k because it could be classed as an "outbuilding".
Load of bollox really coz I'm sure if they're going to get pinched they'll go regardless of which shed they're in!